IC Funded Payout: How and When You Get Paid
IC Funded pays a fixed 80/20 profit split on a 14-day cycle through RISE: you keep 80% of your simulated profits, IC Funded keeps 20%, from your very first funded account. Your first payout becomes available 14 calendar days after your funded account activates, provided you have at least 5 profitable trading days worth 0.5% or more of the account balance each. The second payout needs 3 profitable days, and from the third onward there is no minimum, with your one-time challenge fee refunded alongside that third payout. KYC must be completed before any withdrawal is released. Last verified: September 3, 2026, when we re-read the payout rules and re-ran the checkout: the 5, then 3, then no-minimum ladder and the third-payout fee refund are unchanged.
Disclosure: fundedverify.com is an independent affiliate site run by Myx, a member of IC Funded’s affiliate program. We are not IC Funded or IC Markets, and we may earn a commission if you buy a challenge through our links. That never changes the price you pay, and code Myx actually lowers it.
How IC Funded payouts work
Once you pass an evaluation and activate a funded account, your earnings move on a two-week rhythm. IC Funded runs a bi-weekly payout cycle: every 14 days you can request a withdrawal of your accumulated simulated profit, and you keep a fixed 80% of it. There is no starter tier, no scaling ladder, and no “prove yourself for six months to unlock a better rate.” The split is 80/20 from the first payout to the last.
Two mechanics decide when the money actually lands:
The RISE rail. IC Funded settles payouts through RISE, a third-party payment platform used across the prop industry. You need an active RISE account to receive anything, so set it up before your first payout window rather than at the last minute. IC Funded does not charge a withdrawal fee of its own, though the payment provider may apply its own processing terms.
The 14-day clock. Your first eligible date is fixed to your funded-account activation, not to your best trading day. If your account activates on the 1st, your first payout window opens on the 15th, assuming you have met the profitable-day conditions below. After that, each subsequent window opens another 14 days later. Profits you do not withdraw stay on the account, but on a simulated balance they are numbers on a screen until you actually request the payout, so most traders draw at every window.
The IC Funded payout schedule
The conditions ease as you go. The first two payouts carry minimum-activity requirements; from the third on, there are none. Here is the full schedule, with figures verified against IC Funded’s official rules.
| Payout | When it unlocks | Conditions |
|---|---|---|
| 1st payout | 14 calendar days after funded-account activation | At least 5 profitable trading days, each showing a net gain of 0.5% or more of the account balance |
| 2nd payout | The next 14-day window | At least 3 profitable trading days |
| 3rd payout | The next 14-day window | No minimum profitable days; your challenge fee is refunded with this payout |
| 4th and beyond | Every 14 days | No minimum profitable days |
A “profitable trading day” is a day that closes with a net gain, and the 0.5% threshold on the first payout means small green days do not each count toward the requirement. In practice, the first payout is the hardest gate; after your third, the process is simply: trade for two weeks, request, repeat. We re-read this ladder on September 3, 2026 and it had not moved: 5 profitable days, then 3, then none.
The same wording now governs the evaluation, which it did not in July. IC Funded’s rules page asks for a minimum of 3 profitable days per phase rather than 3 trading days, so the profitable-day idea meets you before you are ever funded. The full rules guide covers what that changes.
You can pay to shorten the cycle
The checkout sells an accelerated payout option at +15% of the challenge fee, which shortens the 14-day cycle. IC Funded does not publish the shortened interval on the checkout tile, so ask support what your cycle actually becomes before you pay for it, and remember the option is bought once, up front, on a payout schedule you have not yet had to live with. It sits alongside three other paid upgrades and one free one, priced in full on our IC Funded rules page. Our code Myx discounts the total, add-ons included.
The challenge fee refund
IC Funded refunds your one-time challenge fee in full, and it does so with your third payout. That is later than some competitors (FTMO, for example, refunds at the first payout), but it is a genuine refund, not a discount voucher or account credit. If you paid $689 for a $100K 2-Step challenge and reach your third payout as a funded trader, that $689 comes back to you on top of your profit split.
There is also a separate, earlier refund path that has nothing to do with payouts: if you buy a challenge and place zero trades on it, IC Funded offers a 14-day refund of the fee. That is a change-of-mind window, not a payout milestone, and it disappears the moment you open your first position.
If you combine the fee refund with our IC Funded promo code, the math on a passed-and-paid challenge is favorable: you pay a discounted fee up front, then have the full listed fee returned at your third payout.
KYC: verify before you request a payout
KYC is mandatory before any IC Funded payout is released. You will be asked for a government-issued photo ID and a proof of address, and no withdrawal is processed until that verification clears. This is not optional or negotiable, and it applies to every trader regardless of account size.
The single best habit here is to complete KYC early, ideally right after your funded account activates, rather than waiting until your first payout window is open. A share of the payout complaints traders post online trace back to verification friction discovered at the worst possible moment, when the money was already due. Clearing KYC in week one removes that risk entirely.
Why an IC Funded payout can be denied
An honest payout guide has to cover the cases where the money does not come. IC Funded can refuse a payout, and the documented disputes about the firm concentrate almost entirely in this area rather than in “they simply do not pay.”
A payout can be denied or delayed for:
- Failed or incomplete KYC. If your identity or address documents do not clear, the withdrawal is held until they do.
- Rule breaches. Exceeding the daily or maximum drawdown, or otherwise violating the evaluation and funded-account rules, can void a payout.
- Prohibited strategies. IC Funded’s forbidden-practices list is broad: all arbitrage variants, high-frequency and tick scalping, copy or mirror trading and signal sharing, shared VPS, IP or proxy setups, martingale and grid systems, and sudden strategy changes between the evaluation and funded stages. A payout tied to trading that a risk review flags as prohibited can be refused.
The recurring complaint pattern is accounts terminated after a payout request, usually with the firm citing a VPS or arbitrage-related violation, plus occasional KYC hold-ups. Our reading, laid out in full in our IC Funded legitimacy analysis, is that most of these are avoidable: trade your own strategy on your own infrastructure, read the full rules in our review before your first trade, and get written confirmation from support on anything ambiguous. That single habit prevents the large majority of the disputes we have read.
Simulated accounts, real payouts
One point that trips up first-time prop traders: your IC Funded account is a demo account funded with virtual money. You never trade real capital, IC Funded does not take a deposit from you, and the “balance” you grow is simulated. What is real is the payout. When you hit the schedule above, the 80% share of your simulated profit is paid to you as actual money through RISE.
That is the standard prop-firm model, and it is why the only cash you ever risk is the one-time fee: $74 to $2,999 on the 2-Step Professional program, $154 to $809 on the 1-Step Accelerated program, and $109 to $879 on Instant Funded, IC Funded’s third program, which puts you on this payout schedule from the day you buy because there is no evaluation to pass first. Everything else is simulated on the way in and real on the way out.
How long until my first IC Funded payout?
Your first IC Funded payout unlocks 14 calendar days after your funded account activates, provided you have logged at least 5 profitable trading days, each worth 0.5% or more of the account balance. If you activate on the 1st, the window opens on the 15th, and KYC must already be complete. Miss the profitable-day condition and the window simply rolls to when you meet it.
How often does IC Funded pay?
IC Funded pays on a bi-weekly cycle, every 14 days. After the first payout, each new window opens two weeks after the last, and from the third payout onward there is no minimum number of profitable days required to withdraw. Payouts are always processed through RISE, so an active RISE account is a prerequisite for every cycle.
What is the IC Funded profit split?
The IC Funded profit split is a fixed 80/20 in the trader’s favor: you keep 80% of your simulated profit, IC Funded keeps 20%. It applies from your first funded account and never changes. There are no scaling tiers and no starter rate. Any source describing a 75% split that rises to 80% is quoting the discontinued 2024 beta, and it no longer exists on the official site.
Does IC Funded refund the challenge fee?
Yes. IC Funded refunds your one-time challenge fee in full, paid together with your third payout as a funded trader. Separately, if you buy a challenge and place no trades on it, a 14-day refund of the fee is available. The two are different: one is a payout milestone, the other a change-of-mind window that closes as soon as you open a position.
Why would a payout be denied?
A payout can be denied for failed or incomplete KYC, a rule breach such as exceeding a drawdown limit, or a prohibited strategy flagged by a risk review (arbitrage, high-frequency scalping, copy trading, shared VPS or IP setups, martingale and grid systems, among others). Documented complaints about IC Funded cluster here, typically as post-payout account terminations tied to VPS or arbitrage accusations. Trading your own strategy on your own infrastructure and clearing KYC early avoids nearly all of them.
How do I withdraw from IC Funded?
To withdraw from IC Funded, complete KYC (government ID and proof of address), make sure you have an active RISE account, and request your payout inside the eligible 14-day window once you meet that cycle’s profitable-day conditions. The 80% share of your simulated profit is then paid to you as real money through RISE, with no withdrawal fee charged by IC Funded itself.
Changelog
- 2026-09-02: Re-checked against IC Funded’s payout rules and its live checkout. The schedule is unchanged: 5 profitable days for the first payout, 3 for the second, none from the third, with the challenge fee refunded alongside that third payout. Corrected the 1-Step Accelerated fee range to $154 to $809, since IC Funded withdrew the $200,000 tier at $1,495, and added the Instant Funded range ($109 to $879), a program with no evaluation that starts on this payout schedule immediately. Documented the paid accelerated payout option at +15% of the fee. Noted IC Funded’s switch to “minimum profitable days” in the evaluation rules.
- 2026-07-18: Page published. Payout schedule, fixed 80/20 split, bi-weekly RISE cycle, first-payout conditions (14 days, 5 profitable days of 0.5% or more each), second-payout condition (3 profitable days), third-payout fee refund, and KYC requirement all verified against IC Funded’s official rules.